Address- Conduct portfolio analytics and deep dives as required by country/regional/Group Retail Credit. Develop credit strategies across the customer lifecycle of Origination, Portfolio Mgmt and Collections.
- Create insights for Retail Risk by studying portfolio trends, performing necessary analytics such as segmentation, profiling, cut-off setting, stress testing, sensitivity analyses
- Timely identification of shifts in portfolio risk profile and re-aligning risk-measurement tools for effectiveness and continuously enhance data-driven credit decisions
- Provide analytical support to various Risk Reviews, perform adhoc analytical requests to support policy changes
- Participate in selective strategic initiatives to build and enhance Group's in-house analytics capabilities
- Research on emerging trends in analytics industry
- Embed Bank's risk management and decisioning framework in day-to-day work, ideate / self-initiate necessary analytics to drive portfolio performance
- As per TOM supervise and coach team members for effective project delivery
- Competency expected in role :
- Strong logical reasoning ability. Ability to perform various industry standard complex statistical analysis in relation to Credit Risk problems
- Ability to work with data organized across platforms and formats (DB2 tables, SAS datamarts, Excel spreadsheets, text files)
- Ability to blend in existing BAU analytical projects and processes in a seamless manner
- Ability to bring out meaningful and actionable insights from unstructured data
- Maintaining the desired quality of analytics within stipulated timeframe
- Ability to work with multiple departments and stakeholders within the Bank to achieve end results
- Ability to lead team members across multiple project assignments, while delivering on own projects
- Key Stakeholders :
- Regional Credit Officers/CROs
- Country Credit Head
- Regional/Country Business Segment Heads
- Global Head - Credit Risk Management (Retail)
- Head of CRM Analytics
Key Measurable :
- No direct business targets on asset growth or portfolio profitability
- Timely and accurate analytical insights to support good portfolio growth and optimized risk return decisions
- Process governance as per organizational standards
- Effective people management of direct reports (if applicable)
Our Ideal Candidate :
- Advanced degree (preferably Masters) in a Quantitative Discipline (e.g. Math, Stat, Eco, Engineering, Finance, MBA)
- 5-10 years desired relevant work experience
